Frequently asked questions
Home Loan Refinancing
Refinancing your home loan means that you’re replacing your current mortgage with a new one, typically to get a lower interest rate, reduce your monthly payments, change the loan terms or access the equity in your home.
With rapidly rising interest rates, home loan refinancing offers the potential to optimise your finances and save thousands of dollars over the life of your mortgage.
A general rule of thumb is that homeowners should consider refinancing every 3-4 years to ensure that they’re getting the best deal possible. Banks often offer better interest rates to new customers rather than existing ones. Moreover, with banks offering refinance cash backs and waived application fees, it is a worthwhile exercise to consider refinancing.
Find out how much you could save by using our refinancing calculator.
WHAT ARE THE BENEFITS OF REFINANCING YOUR HOME LOAN?
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Lower interest rates, resulting in reduced monthly payments;
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Access to home equity for renovations, investments, or other financial needs;
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Consolidation of high-interest debts into a single, more manageable loan;
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Shortening the loan term to pay off your mortgage faster and save on interest;
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Switching from a variable to a fixed-rate mortgage for stability and predictability.
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